ALEX ROCA: Hello, and thank you for joining Women Talk Money. My name is Alex Rocha and I will be your host for today's conversation. This is our back to school two-part series. Today is lesson 1, focusing on how-tos of financial planning where we'll refresh the fundamentals-- spending, saving, and paying down debt. Then on the 17th, we're going to be covering the basics of investing. Joining us in this essential conversation are Julie Marxen, a workplace financial consultant based in California, and Nehand ...

Workplace plan sponsors are increasingly doing more than just overseeing 401(k) accounts. New research from Fidelity shows that many are evolving into full-service financial planning resources for employees — a shift advisors say could have significant implications for the broader wealth management industry. The survey of 1,144 plan sponsors found their primary concern is whether their plan is adequately equipping participants for financial security in retirement. In addressing this concern, plan advisors ...

Group 1 - The potential for a fifth summit between the US and China could positively impact market confidence, especially regarding trade tariffs and their effects on market performance [1][2] - The resolution of issues like TikTok could serve as a significant step towards restoring market confidence, allowing for better financial planning amidst uncertainty [2][3] - The market has recently reached all-time highs, indicating a need for visibility in financial planning rather than just seeking immediate boosts [3][4] Group 2 - Expectations of a 25 basis point rate cut by the Federal Reserve could influence investment strategies, particularly in cyclical sectors and smaller-cap stocks [4][5] - Smaller and mid-cap companies, which have underperformed in recent years, may benefit significantly from upcoming rate cuts, as they are more sensitive to short-term loan rates [5][6] - Historical studies suggest that when the Fed cuts rates by 200 basis points, it can lead to increased capital expenditures (capex) and growth for companies, particularly smaller ones [7][9] Group 3 - The focus on small-cap stocks as a potential investment opportunity is highlighted, contrasting with the typical emphasis on large-cap tech companies [8][10] - The anticipated rate cuts in 2026 are expected to be a critical turning point for small-cap stocks, prompting a need for portfolio repositioning in preparation for that timeframe [10][11] - The expectation is that once the Fed reaches a total of 200 basis points in cuts, small-cap stocks will see significant growth [11]

Core Insights - The value of a $100,000 salary varies significantly based on location, with Southern and Midwestern cities offering better financial comfort compared to coastal cities like New York City, San Francisco, and Los Angeles [1][5][6] Cost of Living Analysis - Texas has a cost of living that is 5% lower than the national average, with housing costs 16% lower and groceries 3% lower, although utilities are 1% higher [2] - In Memphis, TN, residents experience the highest purchasing power, followed by cities in Texas such as El Paso, San Antonio, Fort Worth, and Houston [3] Tax Considerations - Tennessee and Texas residents benefit from no state or local income taxes, contrasting with cities like Portland, where state taxes can reach $8,456 [2] - The study accounted for various taxes and cost of living adjustments, making comparisons between cities like Houston and New York feasible [4] Economic Context - Despite a cooling inflation rate, wage growth is not keeping pace, leading to increased financial pressure on Americans due to rising costs in housing, healthcare, and education [6] - The study indicates that a six-figure salary no longer guarantees a comfortable lifestyle, especially in high-cost areas [6] Financial Planning Recommendations - Financial experts suggest creating a budget that considers total household income and expenses, including housing, food, and transportation, while allowing for savings and investments [9] - Various budgeting frameworks, such as the 70/20/10 rule and the 50/30/20 rule, can help individuals manage their finances effectively [10]

Saving your first $100,000 is one of the hardest financial tasks a working person can undertake. However, experts stress that it's worth it—after that, your money works for you, multiplying with ease. https://t.co/rIZX843Y4Q ...

Company Overview - Raymond James Financial Services (RJFS) has welcomed financial advisors Stew Flaherty and Tami Colvin, who previously managed approximately $305 million in client assets at Commonwealth Financial Network [2][3] - RJFS is a financial services firm that supports independent financial advisors across the United States, with total client assets of approximately $1.65 trillion as of July 31, 2025 [5] Advisor Background - Stew Flaherty has over 50 years of industry experience and has been affiliated with Commonwealth since 2013, holding multiple designations including Accredited Investment Fiduciary® and Certified Retirement Counselor® [3][4] - Tami Colvin brings more than 35 years of industry experience and served at Commonwealth for 12 years, holding the CERTIFIED FINANCIAL PLANNER® designation [4] Client Focus - FlahertyColvin specializes in providing holistic financial planning and guidance to a diverse range of clients, including business owners, families, retirees, and women investors [2]

Financial Planning - Sharing a home with relatives across generations requires consideration of financial details [1] - Planning for unexpected financial events is crucial when sharing a home [1] Legal and Practical Considerations - Defining boundaries is important when cohabitating with relatives [1]

[Music] uh as president of Agent Management, which is a global asset manager, we deal with and understand financial literacy every single day. And so I'd like to share with you uh some information and just some facts around financial literacy and talk about that in the context of our changing world. When you think about financial planning, what we get to see at AGF every day is just how a wellexecuted financial plan can in fact lend itself to great success for individuals where they get to save for that tho ...

Financial advisors believe bonuses should mainly be used to pay off debt, build or protect emergency funds, and invest for the future. https://t.co/8hYUBuxqF2 ...

Financial Stress - High earners often experience financial stress due to common money mistakes [1] Financial Planning - Financial security is achievable through intentional planning and smarter financial habits [1]